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Fertility treatments have become increasingly common. In fact, according to one study, one in three adults either used fertility treatments or know someone who has. If you are considering infertility services, knowing your options for paying for services can help you make informed decisions.
In general, health insurance companies cover services that your doctor deems to be medically necessary. If you have an ACA-compliant health insurance policy, then there are 10 essential benefits that your health insurance company is legally required to cover.
While this coverage is fairly robust, it does not cover everything. If you seek treatments that are not considered to be medically necessary, meaning that they are not necessary for your health or evaluating, diagnosing or treating an illness, injury or disease, then you should speak with a health insurance agent that can look into the individual plan benefits thoroughly for you to see what services might be covered. Services that are not usually covered include cosmetic surgery, weight loss programs, adult vision or dental services (you can, however, get coverage for vision/dental separately).
As of April 2021, the majority of states do not require private health insurance companies to cover fertility services. In California and Texas, health insurance companies have to offer at least one plan that includes this coverage. In 15 states, health insurance companies have to cover at least some fertility services.
While Nevada currently does not require health insurance companies to cover fertility services, it has a benchmark plan that does cover some fertility treatments.
Even if you live in a state that requires health insurance coverage for fertility treatments, there may be certain requirements that you have to meet to have services covered. For example, if you have unexplained infertility, you might only qualify for in vitro fertilization after a period of time or a specified number of in-vitro cycles.
Some states with required coverage for fertility treatments do not cover IVF, or they may only cover treatment up to a certain dollar amount. Other states only cover cryopreservation for someone whose fertility is expected to be compromised due to a medical diagnosis or treatment.
If you are one of the 61% of workers who are enrolled in a self-funded health insurance employer plan, then your plan may or may not cover fertility treatments, regardless of the state you live in. If you get your employer-based health insurance through a company with fewer than 50 employees, then your plan is exempt from state laws related to fertility coverage. Additionally, religious employers can file for exemptions that allow them to not offer this coverage based on ethical or philosophical beliefs.
Health insurance can be confusing, especially when it comes to issues such as fertility treatments. At Nevada Insurance Enrollment, health insurance agents can help you determine whether there is a policy available to you that includes the coverage you are looking for.
Your health insurance premium amount isn’t random. A variety of factors affect how much you’ll pay every month for your coverage. Under the ACA, there are only a handful of things that can affect your health insurance premium.
Getting married means lots of conversations about combining everything from last names to bank accounts. While picking a health insurance plan that covers both of you may seem practical, there are cases in which maintaining separate policies makes more sense.
If you are among the 55 percent of Americans that are taking a prescription drug, you may be concerned about the affordability of medication therapy. Fortunately, there are a couple of things that you can do to ease the financial burden.
By page visits (this month)
By page visits (this month)
In most cases, dental insurance pays for routine care such as annual x-rays, cleanings and exams, as well as procedures such as fillings, crowns and bridges. Health insurance pays for damage caused by a trauma to the mouth, such as an injury or accident.
What happens if you need healthcare services when you are hundreds of miles away from the nearest in-network provider? How you receive emergency or non-emergency medical care and pay for it depends largely on your health insurance plan.
If you have a qualified health plan (QHP) the answer is yes, ambulance rides are covered. A QHP is an insurance plan that is certified by Nevada Health Link in Nevada that covers “10 essential health care benefits” including emergency transportation. You may need to pay a deductible, co-payment, or co-insurance for your ambulance trip.
You have an auto insurance policy that covers damage to your vehicle, but what if you regularly use your vehicle to pull your trailer? Does that trailer have the same coverage as your car or truck?